Sending money, airtime and balance checks are ready to go. Tap one and FayaPay dials and answers the menus for you.
Android 7 and newer
FayaPay isn't a new wallet. It runs your own MoMo menus on your own SIMs, so your money stays where it is.
Two SIMs? FayaPay sets up an account for each and always dials on the right one.
Pick who to pay, enter the amount and your PIN, then check the details before anything is sent.
Your SMS receipts become one history, with fees and your latest balance. Tap a category under the Reference when you send, and the payment is sorted by its reference. You can also choose a category on any payment.
Set a weekly or monthly limit on anything or one thing: all your spending, one account, one category or one person. FayaPay sends you a notification when a budget reaches 80% and again at 100%.
Worked out on your phone from your receipts, so it works offline. Budgets are never sent anywhere.
Someone looking at your screen? Tap the eye on Home to hide amounts and phone numbers on FayaPay's screens. Budget notifications then say "Amounts hidden" too.
It only changes what's shown, not what FayaPay keeps or sends.
Optional. Sync the payments of the accounts you choose to a shared space on the web, for your shop, your family or whoever keeps your books. Everyone in the space can see them and sort them into categories.
You type it each time a menu asks for it. FayaPay answers the menu with it and forgets it.
Your SMS, contacts, payments, balances, categories and budgets stay on your phone, unless you turn on FayaLink to sync the payments of accounts you choose. FayaLink never sends your SMS.
Only your mobile money receipts, not your other messages. Only the USSD pop-ups of a flow you started, not other apps. The camera only to scan a FayaLink code.
No advertising ID either. Crash and usage reports never contain your SMS, numbers or PIN, and you can turn them off in Settings.
FayaPay runs the same USSD menus you would, so your network charges its usual fees and nothing more. FayaPay shows each fee in your history. USSD works without mobile data.
To read your network's USSD pop-up while a flow you started is running, choose the options and type your answers. It doesn't read other apps or anything else on your screen, and it asks before turning it on.
Your network sends an SMS receipt after every payment. FayaPay reads only those receipts, to build your history, show your balance and keep your budgets up to date, and skips every other message. Your SMS stay on your phone.
No. FayaLink is off until you link an account. Then it sends the payments of the accounts you choose as details (amount, fee, balance after, who paid or was paid, reference and time), never the SMS itself. Your PIN, contacts and budgets are never sent either.
In Settings → FayaLink, pause an account, stop syncing it, or leave the space. When you stop or leave, you choose whether the payments already sent stay in the space or are deleted from it.
Android 7 and newer, with one or two SIMs from MTN, Telecel or AT in Ghana. There's no iPhone version, because iPhones don't let apps run USSD.
FayaPay checks each menu before it answers. If one doesn't match what it expects, it stops and tells you, instead of guessing. Updated menus arrive as signed updates, at most once a day.
Android 7 and newer